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What lenders weigh when pricing pbsa cases — not live quotes. Use our calculators and speak to an FCA-authorised broker for firm-specific numbers.
Reviewed by David Sampson, Founder & Director
Not FCA-authorised · Directory only · Verify on FCA register
Rate data coming soon. Mortgage118 does not publish live or indicative rate bands.
| Product | Initial Rate | Type | Initial Term | Revert Rate |
|---|---|---|---|---|
| 2 Year Fixed | TBC | Fixed | 24 months | TBC |
| 5 Year Fixed | TBC | Fixed | 60 months | TBC |
| Tracker | TBC | Variable | 24 months | TBC |
These factors shape whether a pbsa case is accepted and how it is priced. They are not a quote.
Use our mortgage calculators for scenario planning and compare brokers who specialise in pbsa.
These are the strongest factors lenders weigh when setting pricing.
Common charges to plan for alongside the headline rate.
Arrangement fee
Lender facility fee
Typically 1% - 2%
of the facility
Valuation
Development or investment valuation
Deal-specific
specialist student survey
Legal fees
Facility and security work
Deal-specific
higher on larger schemes
Broker fee
Arrangement of the facility
Agreed in advance
often a percentage on completion
Quick answers to common pricing questions.
They look at proximity to universities, local supply and demand, the room mix, the operator, build cost or value, and a viable refinance or sale. Nomination agreements and direct-let assumptions both need evidence.
Yes. Many PBSA facilities are development loans, with money released against cost and a loan-to-GDV limit, sometimes timed so the block is ready for an academic intake. A completed block can instead be funded as an investment.
Important: Your home may be repossessed if you do not keep up repayments on your mortgage. Information on this page is for general guidance only and does not constitute financial advice.Always verify details directly and seek independent advice before making financial decisions.